Bay County property record for 3117 Heartleaf Ave E, Panama City, FL 32405
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,637 sqft · built 2016 |
| Lot Size | 0.112 acres (4,879 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $339,500 (Aug 2018) |
| Tax Bill | $5,306 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11731-100-004 |
| Primary APN | 11731-100-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,637 sqft Heated Area |
| Gross Area | 3,651 sqft |
| 1st Floor Area | 1,442 sqft |
| 2nd Floor Area | 1,195 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Other |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 4,879 sqft (0.112 acres) |
| Lot Dimensions | 109 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Driveway | Driveway |
| Driveway Area | 32 sqft |
| Pool Area | 270 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 530 sqft |
| Fence | Fence |
| Lawn Sprinklers | Lawn Sprinklers |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Street Address | 3117 HEARTLEAF AVE E |
|---|---|
| City | PANAMA CITY |
| State | FL |
| Zip | 32405-2777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SWEETBAY PHASE 1A-1 LOT 4 ORB 4034 P 1720 |
| Legal Range | 14W |
| Legal Township | 03S |
| Legal Section | 19 |
| Legal Subdivision | SWEETBAY PHASE 1A-1 |
| Legal Phase | 1A |
| Legal Lot Number | 4 |
| Jurisdiction | BAY FL |
| Township / Civil Division | PANAMA CITY |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 1501 |
Source: Bay County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3117 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 2, 2018 | Warranty Deed, Transfer · Conventional with PMI SMARTBANK |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2018 · Amount on Record |
| Deed Sale | Aug 2, 2018 · Amount on Record |
| Prior Sale | Oct 14, 2016 · Amount on Record |
| Deed Document Number | 2018046552 |
| Deed Book / Page | 4034 / 1720 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BAY FL |
| Property Address | 3117 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0044472294 |
|---|---|
| Date | Aug 17, 2021 |
| Book Page | 4447/2294 |
| Instrument | 2021062833 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 170 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BAY FL |
| Recording Date | Aug 2, 2018 |
| Property Address | 3117 HEARTLEAF AVE E, PANAMA CITY, FL 32405-2777 |
| Document Number | 0040341720 |
| Book / Page | 004034 / 001720 |
| Instrument Date | Jul 11, 2018 |
| Instrument | 46552 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Title Company | H AND S TITLE AND ESCROW INC, H & S TITLE & ESCROW INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,376.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 77 GRANITE CLIFF DR CHILLICOTHE OH 456019656, CHILLICOTHE, OH 45601-9656 |
| Document Number | 40341721 |
|---|---|
| Date | Aug 2, 2018 |
| Book Page | 004034/001721 |
| Instrument | 46553 |
| Name | SMARTBANK |
|---|---|
| Type | Bank |
| Address | PIGEON FORGE, TN 37868-1910 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2048 |
Source: Bay County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Bay County |
| Municipality | Panama City |
| Unified School District | Bay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,306.00 (-5.59%) Homeowner's exemption | $378,036 (+5.99%) | $453,160 (+17.14%) Land $66,300 Building $386,860 |
| 2023 | $5,620.00 (+6.78%) Homeowner's exemption | $356,682 (+3%) | $386,859 (+11.71%) Land $56,265 Building $330,594 |
| 2022 | $5,263.00 Homeowner's exemption | $346,293 Land $51,700 Building $294,593 | $346,293 Land $51,700 Building $294,593 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 300 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 300 in force |
| Nearby Flood Claims | 154 (1984–2022) |
| Claims Outside the SFHA | 16 of 154 |
| Most Recent Claim | May 2022 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517 |
|---|---|
| Water Source | Purchased surface water from BAY COUNTY WATER SYSTEM |
| Last State Inspection | Feb 2026 |
| Lead | 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, WOW Internet, Cable & Phone.
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